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First State Bank Of Dekalb County
Fort Payne, AL · FDIC Certificate #23815 · Chartered 05/1
Total assets
$353.84M
Total deposits
$298.99M
Total equity
$48.76M
Net loans
$205.25M
Branches (offices)
5
Net income (YTD)
$4.01M
Rank: #2,236 of 4,213 U.S. banks by assets · #45 of 93 in Alabama. Assets changed 4.0% and deposits 3.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.26% |
| Return on equity | 17.06% |
| Net interest margin (YTD) | 5.44% |
| Equity to assets | 13.78% |
| Tier 1 leverage ratio | 14.13% |
| Uninsured deposits (share of deposits) | 26.9% |
| Noncurrent loans (share of loans) | 0.84% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 68.6% |
| Real estate loans (share of loans) | 80.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $164.46M | 80.1% | |
| Commercial & industrial | $19.31M | 9.4% | |
| Consumer / individual | $16.93M | 8.2% | |
| Construction & development | $21.17M | 10.3% | |
| Agricultural | $5.23M | 2.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $329.68M | $307.57M | $1.55M | $21.50M |
| Jun 2023 | $313.07M | $285.44M | $3.55M | $26.52M |
| Jun 2024 | $325.46M | $279.90M | $3.84M | $34.41M |
| Jun 2025 | $340.32M | $289.44M | $4.03M | $41.52M |
| Jun 2026 | $353.84M | $298.99M | $4.01M | $48.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $298.99M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $298.99M.
Similar-sized banks
The Hocking Valley Bank ($354.02M) · The Waggoner National Bank Of Vernon ($353.74M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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